Idaho Marketplace Practice Test

These questions are part of the practice quiz. Start practicing

• What is the penalty for not having health insurance under the ACA?
• Why is preventive care emphasized in health insurance plans?
• If APTC remains after covering a health plan premium, can it be applied to an adult dental policy?
• Which of the following is an indicator of a phishing email?
• Which of the following is considered a strong, secure password?
• Are individuals with both Part A and Part B Medicare coverage eligible for the Advanced Premium Tax Credit?
• What does the term "subsidy" typically refer to in health insurance?
• To whom does phishing primarily target data theft?
• For the year 2024, what is considered unaffordable employer coverage for an employee?
• Which option is a potential risk when using IoT devices?
• Can IoT devices with cameras and microphones be trusted with sensitive information?
• What is meant by "network tier" in a health plan?
• What is a common element in phishing emails?
• What type of insurance can typically be obtained through the Marketplace?
• What is a key function of agents and brokers within the Your Health Idaho marketplace?
• Why might individuals choose to enroll in the Marketplace instead of accepting employer-offered insurance?
• How does Your Health Idaho communicate important changes in policy and technology?
• Where can you find Your Health Idaho's policy manual?
• What action should you take to protect yourself from phishing emails?
• Why is it important to regularly update your device's anti-malware software?
• What is a common mistake when creating passwords?
• Are all hackers considered cyber criminals?
• Can a dependent be retroactively added to a health insurance policy outside of a birth or adoption?
• Are individuals required to verify their income when applying for the Marketplace?
• What is a common practice for cyber criminals?
• You must have a valid what to experience a Special Enrollment Period to enroll outside of Open Enrollment?
• What is a benefit of comparing insurance plans on the Marketplace?
• If a household is enrolled in a QHP and has a baby, what documentation is needed to add the baby to the enrollment?
• Which hacker uses their skills legally to identify vulnerabilities?
• What is the maximum out-of-pocket limit for Marketplace plans in Idaho?
• What does the acronym APTC stand for?
• When should you notify the Marketplace about a change in your address?
• What precaution should you take when receiving attachments you did not request?
• Should you trust unsolicited emails that request your personal information?
• Can data transmitted over public Wi-Fi be monitored and intercepted?
• What is a common myth about the Marketplace?
• Which of the following is an example of an Internet of Things (IoT) device?
• Under what condition can a carrier disenroll a consumer?
• Which IRS form is needed to apply for Marketplace premium tax credits?
• What type of marketplace is Your Health Idaho?
• What is the risk of clicking all download buttons on a website?
• Which of the following is NOT a benefit of using the Idaho Health Insurance Marketplace?
• Can individuals switch their health insurance plans outside of the open enrollment period?
• How do premium tax credits work?
• What is the open enrollment period for the Idaho Marketplace?
• Which statement best describes the enrollment process in the Marketplace?
• If an appeal decision has NOT been changed, how will the appeal likely be marked?
• What defines a qualified health plan (QHP)?
• What are "minimum essential coverage" requirements?
• To be considered "affordable," what criteria must a health plan meet?
• What does "open enrollment" refer to in the context of the ACA?
• True or False: Passwords should not contain easily found information from social media.
• Which of the following roles is responsible for enhancing the enrollment process within the Your Health Idaho platform?
• Can an extenuating circumstance allow a consumer to change the primary tax filer mid-year?
• What is a requirement for someone applying for coverage through the Marketplace?
• At what age will a dependent be removed from a household policy?
• Which search field should be checked if a newly accepted consumer cannot be found in your book of business?
• How does Your Health Idaho communicate policy and technology changes?
• Which hacker type is likely to help fix security flaws?
• What type of health insurance does a "Silver" plan typically cover in relation to out-of-pocket costs?
• If your phone has file-sharing turned on and you connect to public Wi-Fi, can someone access files on your device?
• Which plan typically has the lowest monthly premiums but higher out-of-pocket costs?
• What type of assistance can navigators provide to individuals seeking health insurance?
• What material must be provided to applicants during open enrollment?
• What key factors should individuals compare when evaluating plans in the Marketplace?
• What might happen if someone fails to report income changes when using the Marketplace?
• What are some qualifying events for a special enrollment period?
• Which of the following practices helps secure access to sensitive data?
• True or False: It only takes one phishing email to compromise your systems.
• What is the primary focus of the premium tax credits within the Idaho Marketplace?
• What is the essential health benefits (EHB) requirement?
• Catastrophic plans are limited to individuals under what age?
• What is a key benefit of using a Virtual Private Network (VPN)?
• What are the categories of medical insurance offered with Your Health Idaho?
• Which type of hacker uses their skills to help, without always acting legally?
• How can residents of Idaho apply for health coverage through the Marketplace?
• Why is it important to use different passwords for each site?
• If someone asks you pointed questions about your work, what is the appropriate response?
• What is Medicaid expansion, and how is it relevant to Idaho?
• Ensuring only authorized persons have access to secure facilities is considered a good practice?
• What type of insurance can be disconnected independently from health insurance?
• What happens if you miss the open enrollment period?
• Is it possible to enroll in the Marketplace at any time of the year?
• What type of hacker acts illegally for personal gain?
• Is it acceptable to send a consumer's personal information through email if it is unsecured?
• Which of the following categories of medical insurance are not APTC eligible?
• Which of the following is a benefit of using a password management program?
• Which of the following statements is true regarding the Idaho Health Insurance Marketplace?
• What is meant by "out-of-pocket maximum" in health insurance?
• What is one of the main advantages of bringing your own device (BYOD)?
• Should unknown individuals be allowed to access secure areas without supervision?
• What type of insurance plan typically provides the most flexibility in specialist access?
• What types of health insurance plans are available in the Idaho Marketplace?
• What is a commonly misunderstood aspect of health insurance plans offered in the Marketplace?
• Which of the following factors would prevent someone from receiving an Advanced Premium Tax Credit?
• Which Consumer Connector role(s) are authorized to assist with plan selection?
• What does "adverse selection" refer to in health insurance?
• What is the last date that an application for Open Enrollment 2025 must be submitted?
• Do IoT devices require regular updates?
• How does Idaho define "affordability" in health insurance?
• What typically happens during open enrollment in health insurance?
• What is a high-deductible health plan (HDHP)?
• Who is responsible for ensuring that a personal device is up to date with patches and anti-malware protection?
• What is no longer a requirement for individuals regarding the Marketplace?
• What is a key requirement of HMO plans regarding specialist visits?
• What is an effective way to prevent malware from legitimate website downloads?
• What does "service area" refer to in health insurance plans?
• What is an example of a liability in health insurance?
• Is it necessary to reconnect your agent account if you change devices?
• What is an important measure to take when using public Wi-Fi for work purposes?
• Which of the following statements about tax penalties is correct?
• Employees with a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) can use this money for which of the following?
• What type of malicious software encrypts files on your system and demands payment for the decryption key?
• What action should be taken immediately if your device is lost or stolen?
• What is the difference between co-insurance and co-pay?
• Which of the following statements about public Wi-Fi is true?
• What is the best course of action if you suspect a phishing attempt?
• How should you treat pop-ups within an email claiming to have important files?
• Can individuals enroll in the Marketplace at any time?
• Does using Two-Factor or Multi-Factor Authentication increase the security of your logins?
• If a consumer fails to report a life-changing event in time, what is likely to happen?
• What types of preventive services must be covered without cost-sharing?
• What should you do if your income changes after enrolling in a Marketplace plan?
• During which season does the open enrollment period typically occur?
• What kind of information should the Marketplace communicate in its decisions?
• True or False: Checking the spelling of a website's name is an effective way to verify its legitimacy.
• What is the significance of "age rating" in health insurance?
• Is it advisable to enable Two-Factor or Multi-Factor Authentication on your devices?
• Which type of websites is the safest to use while connected to public Wi-Fi?
• What type of assistance can eligible Idaho Marketplace applicants receive?
• Does Your Health Idaho permit electronic signatures?
• What is the best way to get an update on an appeal after submission?
• What should employees do with sensitive documents when stepping away from their workstation?
• When might it be acceptable to connect to an unsecured public Wi-Fi network?
• If a consumer's eligibility for an Advanced Premium Tax Credit changes, what will that trigger?
• When you purchase a new cell phone or device, do you need to let Your Health Idaho know for DUO to be reset?
• If you get locked out of your agent portal due to too many unsuccessful attempts, how long do you need to wait for the account to unlock?
• Would the loss of a dependent, by itself, open a Special Enrollment Period?
• What role does the federal government play in state marketplaces?
• If approved for a CSR, what metal level health plan must the consumer enroll in to take advantage of the approved CSR?
• During which event does Your Health Idaho focus on renewals?
• If a consumer indicates they are married but filing taxes "married filing single," will they qualify for an Advanced Premium Tax Credit?
• Which of the following is NOT considered one of the 10 essential health benefits?
• Which federal law mandates the operation of health insurance marketplaces?
• How does a VPN enhance your online security?
• If a consumer has not reconciled the tax credit in past years, will they be eligible for a tax credit?
• What happens if an appeal decision is upheld?
• What is one primary benefit of using the Idaho Marketplace for health insurance?
• Are dental plans included in the coverage options offered by the Marketplace?
• What are the potential repercussions of fraudulently reporting information on a Marketplace application?
• Does Your Health Idaho renew dental plans during Open Enrollment?
• What role do navigators play in the Idaho Marketplace?
• What could happen if you use the same password for multiple sites?
• Which special circumstance is NOT likely to allow an individual to enroll outside of the Open Enrollment Period?
• What is the purpose of the Marketplace?
• What would be a reason for visiting the Marketplace?
• Are there any circumstances under which a household can submit an application without all members listed?
• What is the primary purpose of the Idaho Health Insurance Marketplace?
• What does the term "network" refer to in health insurance?
• What is a consequence of failing to report a lost or stolen device?
• What is the main purpose of the Essential Health Benefits requirement?
• What category of plans are offered specifically for younger individuals?
• Among the listed devices, which is the best choice based on security practices?
• What is a key strategy for avoiding ransomware?
• Which of the following is a key feature of the Marketplace?
• Which of the following groups is likely eligible for subsidies in the Marketplace?
• What is the main requirement for keeping APTC eligibility?
• What will be the effective date of a new policy if a consumer enrolls on September 16, 2024, after a qualifying life event?
• What motivations apply to cyber criminals?
• How frequently does Your Health Idaho provide updates through consumer bulletins?
• What must applicants provide when applying for coverage through the Idaho Marketplace?
• What should be done first when setting up an IoT device?
• Can employers offer health insurance plans through the Idaho Marketplace?
• Can a consumer enrolled in both health and dental insurance disenroll from dental insurance without affecting their health plan?
• What is the best action to take if unsure of the correct Wi-Fi network at a coffee shop?
• What is a definition of phishing?
• During the Open Enrollment period, when must consumers expect applications to be processed?
• Which event could allow for a coverage start date other than the first of a month?
• Who is eligible to purchase insurance through the Idaho Marketplace?
• What is a lifetime coverage limit in health insurance?
• Is it true that everyone in a tax household must be included on the household application?
• Which of the following is a good practice for securing physical access to confidential data?
• What factor is NOT considered when determining eligibility for Idaho Marketplace insurance?
• How many total carrier partners does Your Health Idaho work with?
• What does "cost-sharing reduction" refer to in the context of health insurance?